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    Mass payments
    OverviewInitiate a mass paymentRetrieve a mass paymentUpdate a mass paymentList items for a mass paymentRetrieve a mass payment itemList mass payments for a customer
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Mass payments #

Dwolla mass payments allows you to easily send up to 5,000 payments in one API request. The payments are funded from a single user's specified funding source and processed asynchronously upon submission.

Dwolla Mass Payments are meant for batches of multiple payments. If you are initiating a single payment to a singular Customer, we recommend using ourtransfers endpoint.

Your mass payment will initially be pending and then processed. As the service processes your mass payment, each item is processed one after the other, at a rate between 0.5 sec. - 1 sec. / item. Therefore, you can expect a 1000-item mass payment to be completed between 8-16 minutes.

A mass payment offers a significant advantage over repeatedly calling the Transfers endpoint for each individual transaction. A key benefit is that a bank-funded mass payment only incurs a single ACH debit from the bank account to fund the entire batch of payments. The alternative approach will incur an ACH debit from the bank funding source for each individual payment. Those who used this approach have reported incurring fees from their financial institutions for excessive ACH transactions.

Mass payments resource #

ParameterDescriptionidMass payment unique identifier.statusEither deferred: A created mass payment that can be processed at a later time. pending: A mass payment that is pending and awaiting processing. A mass payment has a pending status for a brief period of time and cannot be cancelled. processing: A mass payment that is processing. complete: A mass payment successfully completed processing.createdISO-8601 timestamp.metadataA metadata JSON object.clearingA clearing JSON object.totalThe sum amount of all items in the mass payment.totalFeesThe sum amount of all fees charged for the mass payment.correlationIdA string value attached to a mass payment resource which can be used for traceability between Dwolla and your application.
    "_links": {
        "self": {
            "href": "https://api-sandbox.dwolla.com/mass-payments/da835c07-1e12-4212-8b93-a7e0013dfd98",
            "type": "application/vnd.dwolla.v1.hal+json",
            "resource-type": "mass-payment"
        "source": {
            "href": "https://api-sandbox.dwolla.com/funding-sources/707177c3-bf15-4e7e-b37c-55c3898d9bf4",
            "type": "application/vnd.dwolla.v1.hal+json",
            "resource-type": "funding-source"
        "items": {
            "href": "https://api-sandbox.dwolla.com/mass-payments/da835c07-1e12-4212-8b93-a7e0013dfd98/items",
            "type": "application/vnd.dwolla.v1.hal+json",
            "resource-type": "mass-payment-item"
    "id": "da835c07-1e12-4212-8b93-a7e0013dfd98",
    "status": "complete",
    "created": "2017-08-31T19:18:02.000Z",
    "metadata": {
        "batch": "batch1"
    "total": {
        "value": "0.02",
        "currency": "USD"
    "totalFees": {
        "value": "0.00",
        "currency": "USD"
    "correlationId": "d028beed-8152-481d-9427-21b6c4d99644"

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Financial institutions play an important role in our network.

Dwolla, Inc. is the operator of a software platform that communicates user instructions for funds transfers to our financial institution partners.

Dwolla is an agent of Veridian Credit Union. All ACH and Wire transfers are performed by Veridian Credit Union. Your Dwolla Balance, if any, is held in one or more pooled holding accounts held by Veridian Credit Union. These funds may not be eligible for share insurance by the National Credit Union Share Insurance Fund.

Sponsorship and Settlement of Push-to-Debit payment services provided by MetaBank®, N.A.
Push-to-Debit payments are typically available within 30 minutes.

Real-Time Payments are performed by Cross River Bank, which holds funds on behalf of the Receiver of such transactions in one or more pooled custodial accounts. These funds are not subject to FDIC pass-through deposit insurance.